BASE

FINANCING
RATE
Perbankan Syariah

Penghimpunan Dana

2
 Bagaimana cara
menghasilkan
pendapatan??

Terlebih dahulu menentukan

Base Financing
Rate
melalui Syariah Asset Liabilities
Management (SALMA)

3
 BASE FINANCING
RATE
Formula untuk menghitung besarnya bagi
hasil/ margin/ jasa pinjaman kepada
debitur pada perusahaan jasa keuangan
(Muhammad, 2007)

Cost of
Loanable Fund

Faktor-
faktor Overhead
Spread
pada BFR Cost

Risk

4
Rincian Base Financing Rate Jan 2020
Komponen Cost of Fund (COF) 2,118 COF = (Total Komponen COF) x 12 x 100% = 2.118 x 12 x100% = 4,24%
101 Beban Bonus -
Total DPK 598.937
102 Beban Bagi Hasil 2,001
103 Beban Premi LPS 117
104 Beban RAK - COLF = COF = 4,24% = 4,51%
Komponen Overhead Cost (OHC) 2,215
201 Beban Premi Asuransi 68
202 Beban Tenaga Kerja 1,008
1 – (GWM + Kas) 1 – (3,5% + 2,5%)
203
204
Beban Pendidikan dan Pelatihan
Beban Sewa 289
1
OHC
205 Beban Promosi 167 = Total Komponan OHC x 12 x 100%
206 Beban Pemeliharaan dan Perbaikan 40
207 Beban Penyusutan 33
=
208 Beban Jasa 84 (Pembiayaan + Penempatan BI & BL + Srt Berharga) + (Giro+Tab+Dep )
209 Beban Kantor 170
210 Beban Umum 317
211 Beban Lainnya 38 = 2.216 x 12 x 100% = 2,34%
3700
3075
Beban Pajak
Beban Surat Berharga -
2
540.628 + 593.854
Komponen Risk 19,897
301 Beban PPAP/CKPN
302 PPAP Wajib Bentuk (Nominatif)
257
19,640
Risk = Beban PPAP/CKPN x 12 x 100% = 257 x 12 x 100% = 0,51%
Komponen Aset Produktif 599,655
801 Pembiayaan 540,628 Total Komponen Aset Produktif 599.655
802 Penempatan pada BI dan Bank Lain -
803 Surat Berharga -
809 Garansi Bank 8,855
810 Netto RAK Aktiva 50,172
Komponen DPK + 598,937
804 Giro 88,501
805 Tabungan 254,433
806 Deposito 250,920
807 Kewajiban Lainnya (tanpa aktuaria) 1,920 Spread = Target Laba = 45.840 x 100% = 0,65%
808 Setoran Jaminan 3,163
810 Netto RAK Pasiva -
Spread Target Aset Produktif 7.066.049
Target Laba 2020 45,840
Target Aset Produktif 2020 7,066,049 5
 Base Financing
Rate
COLF : 4,51%
OHC : 2,34%
Risk : 0,51%
Spread : 0,65% +
BFR : 8,01%

6
THANK
S!
 “Quotations are
commonly printed as a
means of inspiration
and to invoke
philosophical thoughts
from the reader”

8
BIG
CONCEP
Bring the attention of your

T
audience over a key concept
using icons or illustrations

9
YOU CAN ALSO SPLIT YOUR
CONTENT
White Black
Is the color of milk and Is the color of coal,
fresh snow, the color ebony, and of outer
produced by the space. It is the darkest
combination of all the color, the result of the
colors of the visible absence of or complete
spectrum. absorption of light.

10
IN TWO OR THREE COLUMNS
Yellow Blue Red
Is the color of Is the colour of Is the color of
gold, butter and the clear sky and blood, and
ripe lemons. In the deep sea. It is because of this it
the spectrum of located between has historically
visible light, violet and green been associated
yellow is found on the optical with sacrifice,
between green spectrum. danger and
and orange. courage.

11
 Want big impact?
USE BIG IMAGE.

12
USE DIAGRAMS TO EXPLAIN
YOUR IDEAS
01
s
pu
em
et
gu
on
cc
ne
lum
ibu

Vestibulum nec
st
Ve

congue tempus

03 02

Vestibulum nec congue tempus

13
AND TABLES TO COMPARE
DATA
A B C

Yellow 10 20 7

Blue 30 15 10

Orange 5 24 16

14
MAPS

our
office

Find more maps at slidescarnival.com/extra-free-resources-icons-and-maps

15
89,526,124
Whoa! That’s a big
number, aren’t you
proud?

16
89,526,124$
That’s a lot of money

185,244 users
And a lot of users

100%
Total success!

17
LET’S REVIEW SOME
CONCEPTS
Yellow Blue Red
Is the color of gold, Is the colour of the clear Is the color of blood,
butter and ripe lemons. sky and the deep sea. It and because of this it has
In the spectrum of is located between violet historically been
visible light, yellow is and green on the optical associated with
found between green spectrum. sacrifice, danger and
and orange. courage.

Yellow Blue Red

Is the color of gold, Is the colour of the clear Is the color of blood,
butter and ripe lemons. sky and the deep sea. It and because of this it has
In the spectrum of is located between violet historically been
visible light, yellow is and green on the optical associated with
found between green spectrum. sacrifice, danger and
and orange. courage.

18
You can insert graphs from Excel or Google Sheets
19
MOBILE
PROJECT Place your screenshot here
Show and explain your
web, app or software
projects using these gadget
templates.

20
TABLET
PROJECT Place your screenshot here
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projects using these gadget
templates.

21
DESKTO
P
PROJEC
Place your screenshot here

T
Show and explain
your web, app or
software projects
using these gadget
templates.

22
THANK
S!
Any questions?
You can find me at:
╸ @username
╸ user@mail.me

23
Credits
Special thanks to all the people who
made and released these awesome
resources for free:
╸ Presentation template by
SlidesCarnival
╸ Photographs by Unsplash

24
Presentation design
This presentation uses the following
typographies:
╸ Titles: News Cycle
╸ Body copy: News Cycle
Download for free at:
https://www.fontsquirrel.com/fonts/news-cycle

You don’t need to keep this slide in your presentation. It’s

only here to serve you as a design guide if you need to create
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PowerPoint®

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SlidesCarnival icons are editable shapes.

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Isn’t that nice? :)

Examples:

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aps

26
 You can also use any emoji as an icon!

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